Scott Rienert/ AVP, Regional Sales Manager NMLS #2144709,

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Scott Rienert/ AVP, Regional Sales Manager NMLS #2144709,

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Mortgages, Real-estate, Networking, Giving Back,
Community https://ineedamortgage.marblism.me For informational purposes only and is not a commitment to lend.

Programs, rates, terms and conditions are subject to change at any time. Availability is dependent upon approved credit and documentation, acceptable appraisal, and market conditions. Not all programs are available in all areas. Elite Mortgage Group, LLC is a New Hampshire Corporation headquartered at 300 Elm Street, Unit 2 Milford, NH 03055. NMLS # 2502308; www.elite-mortgagegroup.com ME Mortgage Broker #2502308, NH Mortgage Broker #26537-MBR, FL Loan Broker Equal Housing Opportunity.

11/02/2026

Good evening! 🌙

Sunday night game time, and this one's interactive. This week might be the most unpredictable one for mortgage rates all month.

The setup: rates closed the week at 7.15%, a one-month low, per Mortgage Daily's November 1 report. Then Tuesday brings the midterm elections, and Friday drops the October jobs report. Economists are expecting roughly 55,000 jobs added, but the range of outcomes is wide, and pros are calling this week "rangebound and choppy."

Translation: nobody honestly knows where the 30-year lands by Friday.

So let's put the comment section to work. Where will the 30-year fixed be when the jobs report drops Friday? Vote below 👇

A) Under 7.10%, the dips keep coming
B) Right around 7.15%, steady as she goes
C) Back above 7.30%, something rattles the market
D) I refuse to predict rates on a Sunday night 😅

My honest take: I'd rather you learn the lesson than win the poll. Headlines move daily, but YOUR rate is built from your credit, your loan type, your down payment, and the day you lock. The people who win in a choppy week are the ones who have their file ready either way, so they can lock fast if a window opens.

Drop your vote, and I'll tell you what the week actually delivered and what it means for buyers, later this week.

If you'd rather have a plan than a prediction, call or text me at 2072095882.

Scott Rienert

NMLS | NMLS #2144709
Equal Housing Opportunity

Rate source: Mortgage Daily, November 1, 2026 (30-year fixed 7.15%). Rates referenced are market averages/snapshots, not quotes or commitments. Actual rates vary based on borrower qualifications, loan type, points, loan amount, and market conditions. Informational only; not a commitment to lend. All loans subject to credit approval; restrictions apply.

11/01/2026

Good morning! ☀️

Sunday morning rate check, and this one's worth your coffee: the 30-year fixed is sitting at 7.15%, the lowest since September 23, per Mortgage Daily's November 1 report.

That's 31 basis points under the top of its 30-day range. Rates have drifted down for two straight weeks, and buyers who were priced out in late September are suddenly back in range.

Now the honest part: nobody should call this a victory lap yet. This week brings the midterm elections and the October jobs report, and analysts are calling the outlook "rangebound and choppy." Soft payrolls could nudge rates lower. A strong print could rattle things back up. Pro forecasts have the 30-year around 7.10% by Friday, but that's a base case, not a promise.

What I'd tell you this morning: don't chase headlines, but don't ignore a window either. If you've been on the fence because the payment stung in September, the math may have quietly changed. That's worth 10 minutes with a calculator and me.

Want me to run your number at today's rate vs. last month's? Call or text me at 2072095882.

Scott Rienert

NMLS | NMLS #2144709
Equal Housing Opportunity

Rate source: Mortgage Daily, November 1, 2026 (30-year fixed 7.15%, lowest since September 23). Rates referenced are market averages/snapshots, not quotes or commitments. Actual rates vary based on borrower qualifications, loan type, points, loan amount, and market conditions. Informational only; not a commitment to lend. All loans subject to credit approval; restrictions apply.

11/01/2026

Good evening! 🌙

Quick question for a Saturday night: how many years past plan are YOU?

Here's the stat that got me thinking. Homeowners are now staying in their homes an average of FIVE YEARS longer than they originally planned, mostly because nobody wants to give up the rate they're sitting on. And buyer traffic just hit its lowest level since 2012 per NAHB/Wells Fargo data.

Five extra years is a long time. That's a kid going from kindergarten to fifth grade. That's a kitchen that aged out of style twice.

So vote in the comments with your number 👇
A) Right on schedule, not going anywhere
B) 1 to 5 years past plan
C) 5+ years, basically part of the foundation now
D) What plan? 😅

Honest take from me: staying put to protect a great rate is a legitimate strategy. But if life has actually changed, a new job, a growing family, a commute you hate, your rate shouldn't get a veto over your life. There are ways to make the math work without torching everything, and it starts with a conversation, not a scare tactic.

No pressure tonight. Just curious how long everyone has been "about to move."

Call or text me at 2072095882 anytime.

Scott Rienert

NMLS | NMLS #2144709
Equal Housing Opportunity

Data sources: Angi home spending survey reporting (homeowners staying ~5 years longer than planned) and NAHB/Wells Fargo HMI buyer traffic data, October 2026 (traffic index 18, lowest since 2012 excluding April 2020). This is general information, not a commitment to lend. All loans subject to credit approval; restrictions apply.

10/31/2026

Good morning! ☀️

Saturday reality check. Last month, 14.5% of pending home sales fell out of contract. That's 1 in 7 deals, gone. And per Redfin, it's the highest cancellation share on record outside the early pandemic months.

Deals don't usually fall apart over drama. They fall apart over the boring stuff: financing that wasn't locked down, appraisals nobody prepared for, inspections nobody budgeted for, and buyers who got pre-qualified instead of truly pre-underwritten.

Here's my promise to you: I'd rather tell you the uncomfortable truth up front than watch your deal collapse in week five. Strong files don't just get approved. They survive.

If you're shopping right now, or your deal just fell apart and you're starting over, call or text me at 2072095882. Let's build a file that makes it to the closing table.

Scott Rienert

NMLS | NMLS #2144709
Equal Housing Opportunity

Data source: Redfin pending home sales cancellations data, September 2026 (14.5% of pending sales fell out of contract). This is general market information, not a commitment to lend. Every loan is different; approval, terms and timing are subject to credit approval, documentation, underwriting, property eligibility and other conditions.

10/31/2026

This 1147 square feet Single Family home has 3 bedrooms and 1 bathroom. It is located at 12 Millville Street, Salem, NH.

10/31/2026

Good evening! 🌙

Friday night real talk: rates just dipped to 7.37%, the lowest in three weeks, and something interesting happened in the numbers.

The share of buyers choosing adjustable-rate mortgages hit 11.3% of applications. Highest it's been in over a year.

So tonight's question, and I want real answers in the comments: would you take an ARM right now, or are you team fixed-rate no matter what? 👇

Here's the honest framing, because I don't do hype: an ARM trades certainty for a lower starting payment. If rates keep drifting down and you're not staying in the home forever, the math can be genuinely attractive. If rates climb and you're in it for thirty years, the fixed loan might be the cheapest peace of mind you ever bought.

Neither answer is wrong. But the question is worth asking, and the fact that one in nine buyers is now asking it tells you the market's mood is shifting.

The right answer depends on your rate outlook, your timeline, and how long you actually plan to stay. That's a conversation, not a comment section, but the poll is still mandatory. 😄

Team fixed or team ARM? Vote below. And if you want to run your actual numbers both ways, call or text me at 2072095882.

Scott Rienert

NMLS | NMLS #2144709
Equal Housing Opportunity

Rate and ARM share data source: Mortgage Bankers Association weekly survey for the week ending October 23, 2026. Rates referenced are market averages/snapshots, not quotes or commitments. Actual rates vary based on borrower qualifications, loan type, points, loan amount, and market conditions. ARM terms and adjustments vary by product. Informational only; not a commitment to lend. All loans subject to credit approval; restrictions apply.

10/30/2026

Good morning! ☀️

Myth-busting Friday. The one that keeps good buyers renting: "you need 20% down."

Let's do the math. The median first-time buyer puts down around 10%, not 20. That's the norm, not the exception.

And the $31,000 problem almost nobody talks about: beyond the down payment, buyers are spending over $31K on everything else it takes to get to the closing table. Closing costs, inspections, moving, the stuff that never makes it into the mortgage conversation.

Now the part that surprises people: there are 2,679 homebuyer assistance programs across the country, and about 77% of them are actively funded right now. Down payment help, closing cost help, some even toward buying your rate down.

You don't have to show up with a giant check. You have to show up knowing your options.

If you've been waiting to save 20% before you even look at houses, let's talk. Call or text me at 2072095882 and I'll tell you what you actually need.

Scott Rienert

NMLS | NMLS #2144709
Equal Housing Opportunity

Data sources: Down Payment Resource Homeownership Program Index (2,679 programs, 77% actively funded) and first-time buyer cost research. All programs depend on qualification, location, and program guidelines. Assistance availability varies. Informational only; not a commitment to lend. All loans subject to credit approval; restrictions apply.

10/30/2026

Good evening! 🌙

Plot twist nobody saw coming: the "alternative" loan is now sometimes the cheaper one.

Here's what's happening, per Mortgage Professional's October reporting: non-QM pricing is adjusting more slowly to this year's market volatility than conventional pricing. The result? Some brokers are closing self-employed borrowers in bank statement loans at rates up to three-quarters of a point BELOW what the same borrower would pay going conventional.

Read that again. The loan built for people with "complicated" income is occasionally beating the standard-issue one.

Why this matters if you're self-employed: you've been told the flexible loan always comes with a penalty attached. That the bank statement route costs you extra for the crime of not being a W-2 earner. Right now, in some cases, the math says the opposite.

Honest disclaimer from someone who doesn't sell hype: this is a pricing quirk, not a law of physics. Experts expect it to be temporary. It's also not universal, and the loan that wins is the one priced on YOUR actual picture, not a generic table.

But it's one more data point in a trend I keep seeing: underwriting is finally catching up to how people actually earn. Bank statements, deposits, how the business actually performs. Your receipts tell a better story than your tax return ever did.

If you're self-employed and the bank squinted at your income, call or text me at 2072095882. Let's look at the real math.

Scott Rienert

NMLS | NMLS #2144709
Equal Housing Opportunity

Rate information source: Mortgage Professional America, October 2026 reporting. Rates referenced are market snapshots and averages, not quotes or commitments. Actual rates vary based on borrower qualifications, loan type, points, loan amount, documentation program, and market conditions. Informational only; not a commitment to lend. All loans subject to credit approval; restrictions apply.

10/29/2026

Good morning! ☀️

Time for the reveal you've been waiting for.

Last night's game: my client handed ME a closing gift after a 9-day clear-to-close. Three options, one guess. The comments were all in on 1 and 3, because apparently I have "mug energy" and people really wanted baked goods to be the answer.

But the real answer was 2. A hand-written card.

And here's the part that got me: it wasn't about the loan. It was about the fact that I answered the phone on a Sunday and remembered her kids' names. Nine days from application to clear-to-close, and what she remembered was being treated like a person.

That's the whole job, honestly. The rate matters. The timeline matters. But the thing people talk about a year later is whether somebody actually showed up for them.

I keep the card in my desk drawer. The mug I'd have put in the break room. 😄

Your turn: what's the best closing gift you've ever given or gotten? I'm still collecting stories, the house-shaped candle story remains undefeated.

And if you want a lender who treats the 9-day clear-to-close like the standard, not the exception, call or text me at 2072095882.

Scott Rienert

NMLS | NMLS #2144709
Equal Housing Opportunity

10/29/2026

Good evening! 🌙

Wednesday night gameshow energy. Let's play "Guess the Closing Gift."

Here's the setup: after 9 days of paperwork, rate locks, and about 400 emails, my client handed ME a closing gift. Completely unexpected. Genuinely one of the best parts of this job.

So here are the three things it could have been. You get one guess. 👇

1. A coffee mug that says "World's Okayest Loan Officer"
2. A hand-written card, the kind you actually keep
3. Homemade baked goods that vanished within 24 hours

Drop 1, 2, or 3 in the comments. I'll reveal the real answer tomorrow morning, and I'll tell you right now it's not the one most of you are going to pick. 😄

And a question back at you, because I'm genuinely curious: have you ever given (or gotten) a closing gift? What was it? Worst one I've ever heard about was a scented candle shaped like a house. The lid wouldn't close. The irony was not lost on anyone.

If you're shopping for a lender who actually answers the phone and remembers your dog's name, call or text me at 2072095882.

Scott Rienert

NMLS | NMLS #2144709
Equal Housing Opportunity

Address

300 Elm Street Unit 2
Milford, NH
03055

Telephone

+16038565782

Website

https://www.elite-mortgagegroup.com/

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